# Clear Balance: Debt Tracker — Payoff planner, budget manager

> Debt management and progress tracking app for financial clarity. (iPhone/iPad app by ClearBalance Technologies Limited.)

- Source: https://appshunter.io/ios/app/clear-balance-debt-tracker/id6761265023 (this page in markdown: same URL + `.md`)
- Developer: [ClearBalance Technologies Limited](https://appshunter.io/developer/1888495772)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 12+
- Requires: iOS 15.6 · 53 MB
- Languages: American English
- Released: 2026-04-18
- Data updated: 2026-08-24
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/clear-balance-debt-tracker/id6761265023/reviews.md

## What is Clear Balance?

Clear Balance is a privacy-first debt tracker and payoff planner designed for UK residents. Organise everything in one place, record your progress and explore different repayment approaches without connecting your bank account.

Whether you are managing credit cards, loans or other personal debts, Clear Balance helps you see where things stand and consider what your repayment journey could look like.

Plan Around Your Priorities:
Compare two widely used repayment approaches:

• Snowball – prioritise the debt with the smallest balance
• Avalanche – prioritise the debt with the highest interest rate

Review how each approach may affect your estimated debt-free date and potential interest costs. Clear Balance provides useful projections based on the information you enter, helping you compare your options without presenting one approach as right for everyone.

Track Your Debts and Payments:
Keep your balances and repayment activity organised in one straightforward place.

• Add and manage multiple debts
• Record regular and additional payments
• Monitor remaining balances
• Follow your repayment progress
• View an estimated debt-free date
• Review potential interest savings

Your plan updates as you record payments, giving you a more current view of your progress.

Explore Extra Payment Scenarios:
See how additional payments could change your estimated repayment schedule. Test different amounts before making any decisions and compare the possible effect on your payoff date and interest costs.

All projections are estimates and may differ from actual lender calculations.

Build a Simple Budget:
Create a clear overview of your monthly income and spending. The built-in budget helps you understand what may be available after essential expenses, so you can consider repayment amounts that fit your circumstances.

Private by Design:
Clear Balance does not require a bank connection. You enter and manage your information manually, giving you control over the financial details you choose to add.

There is no need to share online banking credentials or give the app access to your bank transactions.

Plain-English UK Guidance:
Access straightforward information created with UK users in mind. Learn more about common debt terminology, repayment approaches and places to look for further support without unnecessary jargon.

Clear Balance Can Help You:
• Organise debts in one place
• Keep a record of payments
• Compare Snowball and Avalanche plans
• Explore estimated payoff dates
• Test the possible effect of extra payments
• Create a simple monthly budget
• Access practical UK debt information
• Plan without linking a bank account

Start organising your debts and exploring repayment options at your own pace.

Some planning features, including debt-free date projections, estimated savings, strategy comparisons and extra-payment scenarios, require Clear Balance Premium through an auto-renewable subscription. Subscription details and pricing are shown before purchase.

Download Clear Balance:
Create a private plan based on the information you choose to enter.

Important:
Clear Balance is an organisational and educational tool. It does not provide financial, debt or other regulated advice. Dates, interest costs and potential savings are estimates based on the information entered and the assumptions used. Actual results may vary. If you need advice tailored to your circumstances, consider contacting an appropriately authorised adviser or a recognised UK debt-support organisation. Clear Balance Premium is available as an auto-renewable subscription. Subscription details and pricing are shown before purchase.

Terms of Use:
Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Clear Balance Terms of Use: https://clearbalance.uk/terms.html

Privacy Policy:
https://clearbalance.uk/clear-balance-privacy.html

## Key features

- Organize and add debts
- Record payments and update balances
- Track progress over time
- In-app guidance and articles
- Projected debt-free date
- Explore debt clearing strategies

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Clear Balance Premium Annual | $34.99 | per year |
| Clear Balance Premium Monthly | $3.99 | per month |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/clear-balance-debt-tracker/id6761265023/reviews.md

### 5/5 — Helpful

*2026-05-08*

Really helpful to see everything in one place, saves me jumping in and out of multiple maps. The premium version is good too, it’s good to see a date I can be debt free and who I should pay first to save the most money

**Developer response:** Thank you for your kind feedback. I’m pleased ClearBalance has been able to help you

### 5/5 — Thank you

*2026-05-05*

This helped me see my debts clearly and see my progress

**Developer response:** Thank you for your positive feedback. I’m happy to hear ClearBalance has helped you see your debts and progress clearly

## Frequently asked questions about Clear Balance

### What is Clear Balance?

Clear Balance is a finance app designed to help users organize their debts, track repayment progress, and gain clarity on their path to becoming debt-free. It offers features like debt organization, payment recording, and progress tracking.

### How much does Clear Balance cost?

The basic version of Clear Balance is free to use. For advanced features like projected debt-free dates and debt clearing strategies, Clear Balance Premium is available via a subscription.

### What are the subscription options for Clear Balance Premium?

Clear Balance Premium offers monthly and annual subscription plans. The monthly subscription is £4.99 per month, and the annual subscription is £39.99 per year.

### Is Clear Balance secure?

While the description doesn't detail specific security measures, the app is developed by ClearBalance Technologies Limited and provides links to its Terms of Use and Privacy Policy, which users should review for information on data handling.

### What devices does Clear Balance support?

Clear Balance is available on iPhone, iPad, and iPod. It is designed for iOS devices.

### How often is Clear Balance updated?

The app was last updated on April 28, 2026, with version 1.1. This indicates a recent update, suggesting ongoing development and maintenance.

### Does Clear Balance have ads?

No, Clear Balance does not contain advertisements. The app is free to download and use, with optional premium features available through a subscription.

### What age rating does Clear Balance have?

Clear Balance has an age rating of 4+, making it suitable for a wide range of users, including younger individuals learning about financial management.

## Version history (last 3 releases)

### 2.0.0 — 2026-08-17

Clear Balance just got better:
• Refreshed onboarding
• Clearer Premium previews
• Accessibility and reduced-motion improvements
• More UK debt and support guidance
• More creditors and improved logo matching
• Clearer plan screens
• Bug fixes and performance improvements

Still private by design, with no bank connection required.

### 1.1 — 2026-04-28

• Fixed an issue with some buttons hidden by the keyboard on smaller devices
• Various bug fixes and improvements to keep Clear Balance running smoothly

### 1.0 — 2026-04-18

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*